Overview — Roundstone Livery Program
Roundstone’s Livery program is an admitted commercial auto liability solution designed for limousines, black car services and the taxi industry. The program bundles core transportation exposures — automotive liability and physical damage — with complementary coverages agents often need for these classes: general liability, garage liability, garagekeeper’s legal liability, excess/umbrella liability and property coverage. Offered through Roundstone’s admitted, captive platform, this program is positioned for agents placing chauffeured and for-hire passenger transportation risks across the country.
Ideal Accounts and Appetite
- Chauffeured black car and limousine fleets (small to mid-sized operations)
- Traditional taxi operators and medallion fleets
- Operators that also maintain a repair or dispatch facility and need garage/garagekeeper protections
- Accounts seeking admitted paper with coordinated auto and liability limits
Roundstone typically looks for operations with documented driver hiring and training practices, reasonable vehicle age and maintenance programs, and stable loss histories. Risks with routine business-to-business contracts, airport service routes, and scheduled chauffeured work often fit well. High-hazard uses — such as emergency medical transport, heavy-duty hauling, or operations that handle hazardous materials — are not primary targets for this program.
Coverage Highlights and Advantages
- Automotive Liability: Primary coverage for third-party bodily injury and property damage arising from for-hire passenger operations.
- Physical Damage: Comprehensive and collision options to protect fleet vehicles, with flexible deductible choices.
- General Liability: On-premises and operations coverage to complement auto liability for passenger exposures.
- Garage & Garagekeeper’s Legal Liability: Designed for livery operators who perform vehicle servicing, maintenance or store customer vehicles.
- Excess/Umbrella: Additional limits over the primary auto and general liability layers for catastrophic losses.
- Property Coverage: Covers physical assets such as dispatch offices, maintenance shops and business personal property.
The integrated package reduces gaps between auto and premises exposures and simplifies billing and policy administration by keeping coverages within a single admitted program.
Underwriting Notes
- Submit current loss runs (typically 3–5 years), driver lists with MVRs, vehicle schedules and an explanation of operations/dispatching.
- Underwriters evaluate fleet size, vehicle age, driver screening and training, hours of operation, and primary service routes (e.g., airport vs. local street service).
- Remedial requirements may include driver safety programs, telematics installation, or specific maintenance documentation for certain accounts.
- Because this program is admitted and carrier-appointed in all available states, paperwork and endorsements will follow admitted market rules for each jurisdiction.
Territories and Availability
Roundstone’s Livery program is available in all listed states and the District of Columbia: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage is placed on admitted paper with carriers appointed to write in those states.
Why Work With Roundstone on Livery Business?
- Specialized program underwriting focused on chauffeured and taxi-class exposures.
- Admitted solutions across a broad territory simplify compliance and claims handling for agents and insureds.
- Ability to combine auto, liability and garage exposures in a single submission — reducing gaps and administrative complexity.
- Responsive underwriting for renewal discussions and loss mitigation recommendations tailored to livery operations.
Example scenarios: You might have a 12-vehicle black car fleet that needs coordinated auto liability, physical damage and an umbrella for airport contracts. Or a six-vehicle taxi operator that also maintains a small shop and needs garagekeeper and property coverage — both could be submitted to Roundstone’s Livery program for review.
Frequently Asked Questions
What types of accounts are a good fit for the Roundstone Livery program?
Chauffeured black car and limousine fleets, taxi operators and small-to-mid-size for-hire passenger services that have documented driver screening, routine maintenance programs and relatively stable loss histories.
What submission materials does Roundstone require?
Typical items include 3–5 years of loss runs, a current vehicle schedule, driver list with MVRs, description of operations/dispatch practices, and details on any on-site maintenance or storage facilities.
Is this offered on admitted paper in my state?
Yes. The Livery program is offered on admitted carriers and is available in the states and District of Columbia listed in the storefront. Coverage and endorsements will follow admitted market rules for each jurisdiction.
How does the program handle garage and garagekeeper exposures?
The program can include garage liability and garagekeeper’s legal liability when the insured operates a shop, performs maintenance, or stores customer vehicles. Underwriters will review the scope of shop operations and may request specific controls or limits based on exposure.
Need help placing an account? Connect with a market specialist.